Owner Occupied/SME

Commercial properties owned and occupied by UK based small and medium sized enterprises.
What we look for:
Maximum LTV 75%.
Maximum loan £5,000,000 (£3m on each single fixed rate loan).
Minimum loan size £250,000.
EBITDA to provide DSCR of 125% at pay rate.
EPC of C, or a plan to get from E/D to C.
A first charge is required from the borrower over acceptable assets.
Valuation by one of YBS’s panel valuers.
Personal Guarantee from one or more director of the greater of £175k or 10%.
Limited Company, LLP and Partnership lending.
What we will not do:
Partially built properties or those not in lettable condition.
Specialist or non-standard property types.
EPC rating below E.

Check our product criteria

Find out more about our risk appetite before you apply.  

Investment criteria

View our criteria for industrial, offices, leisure and retail sectors.

How to apply

Check out our useful guides and find out more about our processes and support that we offer. 

Meet the team

Our commercial lending experts are ready to support your plans for now and the future.

Want to apply or enquire?

Chevron icon
Emailing us is the quickest ways to get in touch and will also ensure that you get through to the right person who will then be your dedicated contact throughout.